Tarboro Savings Bank, SSB: how it compares with its peers
Against 561 U.S. banks with half to twice its assets, Tarboro Savings Bank, SSB's strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (2.06% vs. 3.88%).
| Measure | Tarboro Savings Bank, SSB | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.26% | 1.05% | Bottom third Ahead of 9% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.06% | 3.88% | Bottom third Ahead of 4% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 112.61% | 69.23% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $6.1M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.57% | 67.38% | Context |
What it means for lending operations
Its efficiency ratio of 112.61% is above the 69.23% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The First National Bank of Moody Moody, TX · $54M
- Bank of Greeley Greeley, KS · $54M
- The Union Banking Company West Mansfield, OH · $55M
- Ashton State Bank Ashton, IA · $55M
- Compass Savings Bank Wilmerding, PA · $54M
Questions about Tarboro Savings Bank, SSB
How big is Tarboro Savings Bank, SSB?
Tarboro Savings Bank, SSB, established in 1906, is headquartered in Tarboro, NC. It reported $54M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Tarboro Savings Bank, SSB's return on assets?
-0.26% annualized in Q2 2026, against a 1.05% median for 561 U.S. banks with half to twice its assets, ahead of 9% of them.
What is Tarboro Savings Bank, SSB's efficiency ratio?
112.61% in Q2 2026: it spent about 113 cents in noninterest expense for each dollar of revenue. The peer median is 69.23%, and lower is better.
Is Tarboro Savings Bank, SSB growing its loans?
Net loans grew 0.2% over the year to Q2 2026, while deposits shrank 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every North Carolina bank ranked.